How it works?
Complete a short application, sign agreement, and write a check for the loan amount plus fee. Receive cash on the spot and we will hold your check until you return to repay your cash advance and re-claim your check on your appointment day, as agreed. Amscot charges a flat, one-time fee for its service.

To apply for an Amscot Cash Advance you must:

Be employed or have a verifiable source of income

Have an open checking account

Provide us with a phone number that we can consistently reach you at

If you meet the above requirements, then come to one of our branches with the following:

Your Checkbook

A valid government issued Photo ID (i.e. driver's license)

Proof of income (Ex: pay stub, direct deposit form or bank statement)

To get started with your cash advance and save time when you get to the branch, click HERE.

Amscot is regulated by state and federal laws. We operate only in Florida, a state with some of the strictest consumer-protection laws in the United States and have many convenient locations to serve you. We only charge a state mandated $1.00 verification fee, not the $5.00 limit allowed by law. Amscot is a member of and adheres to the "Best Practices" of the Community Financial Services Association of America ("CFSA").

Pursuant to a provision of the federal law, John Warner National Defense Authorization Act of 2007 and as a member of the CFSA, Amscot cannot offer you a cash advance if you are an active member of the military or his/her spouse or dependent. For more information related to this law please click here.

*You must be 18 years or older and you cannot have any outstanding cash advances with Amscot or any other provider. Some restrictions apply. If your check is dishonored a return check fee and non-sufficient funds fees may apply. As a member of CFSA, Amscot abides by the Fair Debt Collection Practices Act, as applicable, to collect past due accounts. Non-payment does not affect your credit score. Amscot does not offer automatic renewals. APR 265.93% to 312.86 %. APR example provided is representative range based on a fourteen (14) day hold period with one payment. Amscot is licensed by the Office of Financial Regulation pursuant to Florida law governing Money Service Businesses. Notice to Our Customers: A single cash advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Cash advances are not recommended as long-term financial solutions.